Pet care: Use savings instead of pet insurance
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Dear Dr. Fox: Hello. How do I get information about pet insurance? We have a dog that is almost 4 years old. We would like to get another, but would like to have some sort of way to offset the cost of vet bills for a new puppy.

Do you have any recommendations? – C.B.

Dear C.B.: I have no recommendations since I feel it best to set up a savings account for each animal in the household – for instance, you can set aside the $ 10 to $ 20 a week you might spend at the local coffeehouse if you switch to brewing at home.

Discuss your concerns with your veterinarian, who may help you identify the exclusions and conditions, some of which may mandate over-vaccination and questionable annual tests.

It would be good to have a reserve fund of at least $ 2,000 for each cat and dog in case of some health emergency so that you are not cut short and have to pay interest on your credit card. Some veterinary hospitals will arrange for fees to be paid by installment, but having some funds at hand can save a lot of uncertainty and anguish.

Dear Dr. Fox: We recently adopted an adorable old cocker spaniel, whose estimated age is around 8 or 9. The veterinarian has tried various ear ointments to clear up her smelly and uncomfortable external otitis. Do you have any suggestions we may try? – L.B., Arlington, Va.

Dear L.B.: Good for you for taking in an o…………… continues on In-Forum

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